Everyday Essentials

Choosing a higher excess will lower your premium. An excess will apply to each adult member
admitted to hospital per calendar year. No hospital excess applies to children on a family membership.

No Excess

No Excess for kids on a family membership

No matter what hospital excess you pay, the excess will not apply if kids on your membership are admitted to hospital

N/A

N/A

N/A

Ambulance services

100% cover for immediate professional attention. Includes ambulance transportation to hospital when your medical condition means you can't be transported in any other way. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

Surgery to treat conditions of the female reproductive system e.g. endometriosis. Excludes IVF

Repair of Hernia

Surgical repair and treatment of a hernia

Appendicitis treatment

Hospitalisation for appendicitis

Removal of appendix

The surgical removal of your appendix

Removal of tonsils & adenoids

Surgery to remove tonsils and/or adenoids

Surgical removal of wisdom teeth (for hospital charges only)

Accommodation and theatre charges for wisdom tooth removal in hospital (does not include doctor/dentist fees)

Colonoscopies

Procedure to examine the large bowel

Palliative care

Health care that provides support to people with a life-limiting illness

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Weight Loss Surgery (e.g Bariatrics)

Includes surgeries such as Gastric banding, Gastrectomy and Gastric bypass

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Restricted
We pay limited benefits for restricted services. This means that if you choose to be treated in a private hospital the benefits we pay will not cover all hospital costs and are likely to result in significant out-of-pocket expenses. For restricted services in a Public hospital we will pay minimum shared room benefits.

Heart-related medical and surgical admissions

Including open heart and bypass surgery, and invasive cardiac investigations and procedures, such as angiograms, angioplasties and stent insertions.

Obstetrics-related services (eg. pregnancy)

Including regular and caesarean childbirth and in-patient diagnostic imaging

Fertility treatment (eg. IVF & GIFT programs)

Includes IVF and GIFT programs

Plastic & reconstructive surgery

Surgery to repair deformity or improve function e.g. after cancer or tumour removal, repair of lacerations, burns or scars, to treat congenital abnormalities or following traumatic injuries.

Major eye surgery - including cataract & lens-related services

Surgical procedures to treat vision loss caused by cataract and other eye-related admissions

Hip & knee joint replacement surgery

Replacement surgery for hips and knees

Other joint replacement surgery

Replacement surgery for shoulders, elbows and ankles

Renal dialysis

Dialysis treatment in hospital for kidney failure.

All other in-hospital services where a Medicare benefit is payable.

The Medicare Benefits Schedule defines what are considered appropriate interventions or treatment in Australia.

Cover For Accidents

Covers which have services that are normally Restricted or Excluded will be treated as an Included service where treatment is required for injuries sustained in an Accident that occurs after joining this cover. Refer Cover Summary for full details.

Guaranteed percentage back on specified services provided by Medibank Members' Choice providers only up to annual limits. Services available through our Members' Choice provider network are indicated in the table with a #.Claim a set percentage back on the costs of included treatments at Medibank Members' Choice providers, up to annual limits.We've negotiated a capped price with Members' Choice providers, so you won't be charged more than the agreed price.For all recognised providers who are not part of the Members' Choice network, we pay a fixed benefit. This may be less than the provider charges,
as we haven't negotiated a price with them. Generally, the higher the level of cover you choose, the higher the fixed benefit which will help reduce your out-of-pocket expenses.

60% Claim back

60% Claim back

Percentage Back for Children

N/A

N/A

Ambulance services

100% cover for immediate professional attention. Includes ambulance transportation when your medical condition means you can't be transported in any other way. Tasmania and Queensland have State schemes that cover ambulance services for residents of those States.

*Prices displayed for singles in NSW entitled to a 26.791% Australian Government Rebate and nil Lifetime Health Cover loading and $500 excess (unless otherwise stated). Waiting periods may apply including 12 months for pre-existing conditions and some dental services. Minimum payment frequency is fortnightly.

#Medibank has Members' Choice providers for these services only. By choosing a Members' Choice provider you are guaranteed to receive the percentage back shown on the cover.
~Some items and services may require a Referral Letter and may have a benefit replacement period. Please see the Cover Summary or Member Guide for more information.

I am up to $200 better off

Get a $200 gift card for families and couples or a $100 gift card for individuals when you join Hospital & Extras by December 12

*For new members on new memberships. Must set up direct debit or payroll and pay first month, or pre-pay 6 months. Not available on some Corporate Covers, Accident Cover, Visitors Health Insurance, Working Visa Health Insurance, OSHC, Ambulance Cover, ahm covers and other selected covers. Singles and single parent families receive a $100 voucher, couples and families receive a $200 voucher to David Jones, Coles, JB Hi-Fi or Myer. Gift cards are issued up to 6 weeks after joining and will expire 2 years from the date of issue. Member must meet eligibility criteria on the date Medibank sends offer redemption instructions. Gift cards will be received by email (voucher to print), and separate terms and conditions apply. Not available with any other offer. All other waiting periods apply including 12 months for some dental services.

1. Tell us a little about yourself (edit)

We can help

If you want, provide your name and number and one of our cover specialists will contact
you within the hour (during normal operating hours) to answer any questions and
help find the right cover for you.

In providing your telephone number, you consent to Medibank contacting you about
health insurance cover.

2. Get the right rebate on your health insurance (edit)

If you are eligible for Medicare, the government may pay a percentage of your cover premium as a rebate. This
is called the Australian Government Rebate (AGR). Under the AGR, the rebate amount depends on your age and
income.

For tax purposes I declare a:

Single income

Family income(incl de facto & single parents)

Earning:*

I'd rather not say...
I'd rather not say...

$90,000 or less
$180,000 or less

$90,001 - $105,000
$180,001 - $210,000

$105,001 - $140,000
$210,001 - $280,000

$140,001 & above
$280,001 & above

* This is your income for Medicare Levy Surcharge purposes which is different to your "taxable income". For more information please visit
privatehealth.gov.au. Please also note the family income threshold is increased by $1500 for each
dependent child after the first.

We can help

If you want, provide your name and number and one of our cover specialists will contact you within the hour (during normal operating hours) to answer any questions and help find the right cover for you.
In providing your telephone number, you consent to Medibank contacting you about health insurance.